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How to Prevent Child ID Theft

Posted in Security/Scams
November 30th 2012 by
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John Sileo, fraud expert, discusses why your child is a likely target for Identity Theft and lists ways to protect your child from it. Watch the video and read the article here: http://www.sileo.com/how-to-prevent-child-identity-theft/

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What to Do if You Have Responded to a Tech Support Scam Call

Posted in Security/Scams
November 27th 2012 by
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If You’ve Responded to a Scam If you think you might have downloaded malware from a scam site or allowed a cybercriminal to access your computer, don’t panic. Instead: Get rid of malware. Update or download legitimate security software and scan your computer. Delete anything it identifies as a problem. Change any passwords that you gave out. If you use these passwords for other accounts, change those accounts, too. If you paid for bogus services with a credit card, call your credit card provider and ask to reverse the charges. Check your statements for any other charges you didn’t make, and ask to reverse those, too. If you believe that someone may have accessed your personal or financial information, visit the FTC’s identity theft website. You can minimize your risk of further damage and repair any problems already in place. File a complaint with the FTC. Source: Federal Trade Commission…

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Traveling with Food or Gifts

November 16th 2012 by
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The holiday season is quickly approaching. For many people, that means traveling to visit friends and relatives. It also means bringing gifts and food to help spread holiday cheer. The United States Transportation Security Administration (TSA) knows that traveling with food or gifts can be challenging. After all, everyone has favorite foods from home that they want to bring to holiday dinners, or items from their destination that they want to bring back home. Are you unsure about what you can and can’t bring through the checkpoint? Listed below are the liquid, aerosol and gel items that you should put…

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Know Your Obligations when Cosigning a Loan

Posted in Borrowing Money
November 9th 2012 by
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Often, parents cosign for their sons or daughters who have adequate income but a lack of credit or employment history. By cosigning, parents help their offspring get the loan and establish credit in their own names. But many borrowers, be they the cosigner or the primary borrower (also known as the maker), don’t recognize the magnitude of the responsibilities borne by cosigning a loan. What responsibilities do you have when you cosign a loan? Cosigners lend their names and good credit histories to the maker. Should the maker die, lose a job, or otherwise fail to make payments, all responsibility for meeting the terms of the loan transfers to the cosigner. An often-overlooked aspect of cosigning a loan is the fact that the loan appears on both the maker’s and cosigner’s credit reports. If the maker doesn’t pay, the lender will notify you to make the payments. In most cases,…

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Choosing a Moving Company

November 2nd 2012 by
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Not all moving companies are the same. Although many are legitimate, some attempt to take advantage of their clients. Follow these guidelines to help you choose the right mover: Get a written estimate from several movers. Be wary of very low estimates. Some companies use the low price to get a contract and later ask for more money before they will remove your belongings from their truck. Make sure the mover has an operating license. For moves from one state to another, visit www.protectyourmove.gov to verify a mover’s license. For moves within a state, check your state, county, or local consumer affairs agency. Make sure the mover has insurance. If furniture is damaged during the move, the mover’s insurance should cover it. Ask how to file a complaint if there are limits to the coverage. Check the mover’s track record. Contact your state or local consumer protection agency or Better…

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